What's the Average Cost of Car Insurance in Boston?

Whether you are heading out for a weekend in the beautiful New England countryside or you're fighting the traffic around Fenway, you'll need to make sure that your vehicle has the right insurance coverage. The state of Massachusetts requires that minimum amounts of liability coverage be in effect for all drivers, which includes bodily injury liability and property damage liability. Also, as a no-fault state, Massachusetts also mandates that drivers care personal injury protection, also known as PIP coverage.

Unfortunately, Boston is known for its expensive insurance premiums, as its mean premium surpasses the state average by 30%. As such, if you want to keep your vehicle adequetally covered, you'll want to know how to find cheap car insurance in Boston. We've analyzed how auto insurance rates in Boston compare to costs nationwide and looked at some of the factors that can lead you to finding cheaper coverage.

City AverageState AverageNational Average

Boston Car Insurance Premiums by Age

Age is one factor that is out of your control (unless you wait, of course). However, knowing how an insurance company views age groups can help you better understand some of their important rating factors. Obvious factors such as experience and maturity level can play a part in how much you will pay for your policy. So which group is going to find it hardest to get cheap car insurance?

Teenagers are particularly afflicted with high insurance premiums. With car insurance payments of $5,520 on average, teenage drivers have the biggest premiums out of all the age groups. The greatest drop in premiums between any age group is from the teenage age range to the 20s, as drivers in Boston start seeing a reduction in premiums of $4,276. The downward movement continues, as insurance rates in Boston decrease the older a driver gets. Among all age groups, drivers in their 70s have the lowest payments, with rates of $1,244 per year.

AgeAverage Rate

Boston Car Insurance for High-Risk Drivers

How you drive is important to car insurance companies as they put together your insurance policy. Your driving record can have a tremendous impact on what you pay for your coverage. If you have had past accidents that have caused property damage or injury, your insurance company is far more likely to see you as a liability. This goes for infractions such as moving violations and DUIs as well, which can seriously affect your car insurance rates. But just how much can your driving record impact the cost of your coverage?

Past accidents and violations can cost you in terms of car insurance rates. Reckless driving will increase your car insurance premiums more than other driving violations. $1,447 is the extra cost per year for drivers with a DUI in Boston, compared to the city average of $1,594. Reckless driving will bump your rates up as well, with typical rates of $3,119! For individuals in Boston with at-fault accidents in which damages exceeded $2,000, rates are an average of 34% more than at-fault accidents with damages less than $1,000. Essentially, if you are looking for affordable car insurance, make sure to keep your driving record as clean as possible.

Incident or ViolationAverage Insurance Rate
Reckless Driving$3,119
At-fault Accident (damages less than $1,000)$2,028
At-fault Accident (damages greater than $2,000)$2,722
Speeding Ticket (16-20 mph over speed limit)$2,023

* Credit score, while used in other states, is considered discriminatory in Massachusetts and thus is not used as a rating factor when determining how much you'll pay for auto insurance.

* Insurance rates aren't affected by either marital status or gender in Boston.

What drives up car insurance rates in Boston?

Where you live in Boston affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by zip code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Boston is no exception to the rule. From zip code 02467 to 02119, premiums rise by 47 percent—that’s $699.

Expensive Boston Zip Codes: 02126, 02125, 02121, 02120, 02119

Cheap Boston Zip Codes: 02467, 02108, 02217, 02222, 02196

Boston Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Boston, you can expect 126 rainy days with an annual rainfall of 43.8 inches. Boston is also known to experience severe winter storms. You can check on the condition of the roads anytime here.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Be Prepared For

Driving in Beantown

Major Highways
I-90 I-93 I-495
Toll Roads
Massachusetts Turnpike
Popular Day Trips
Cape Cod Plum Island Mount Monadnock

Find Local Boston Agents

Knapp Schenck & Company Ins Agency, Inc.

One India Street, Boston, MA 02109

Flynn Insurance Agency Inc

30 Park Street, Boston, MA 02129

Paul Lymneos Insurance Agency,Inc.

4258 Washington Street, Boston, MA 02131

MassDrive Insurance Group

241 A Street, Boston, MA 02210

Inland Underwriters Insurance Agency

One 13th St, Boston, MA 02129



The average Bostonian's annual cost of coverage



Our customer's average savings after comparing insurance



That's equal to 277 cups of coffee or $692 in savings

See How Much You Can Save in Boston

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Recent Questions:

Boston Car Insurance

How much would my car insurance be to transfer to a new individual policy from my family's insurance?

It's hard to give you an accurate quote without having more information. There are a number of factors that come into play when determining your premium and each insurance company may weigh these factors differently when determining what you pay.

Will non-moving violations impact my insurance premium?

Most companies do not consider non-moving violations as a factor when calculating your rate. But every company is different so you may run across one that will rate on non-moving violations, but it is really uncommon.

Is it worth filing a claim for a scratch on my car that happened when it was parked?

If the scratch was the result of vandalism and not caused by another vehicle then filing a comprehensive claim should have little to no impact on your future rates. This also means that you will have to pay your comprehensive coverage deductible for the repair.